IRA CDs

This unique option gives you the ability to add funds to your account over time—growing your initial balance—so that you can save even more for retirement.

Top Features

  • A unique account with features of a CD and an IRA
  • Add to your balance at any time1

Certificate of Deposit Rates

Effective as of 08/29/2025

TermProgramAnnual Percentage Yield (APY)2Minimum Daily Balance to Earn APY2
5 MonthFixed Rate CD3.90%$2,000.00
6 MonthFixed Rate CD0.10%$2,000.00
10 MonthFixed Rate CD3.90%$2,000.00
12 MonthFixed Rate CD0.15%$2,000.00
18 MonthFixed Rate CD3.75%$2,000.00
24 MonthFixed Rate CD3.50%$2,000.00
36 MonthFixed Rate CD3.50%$2,000.00
48 MonthFixed Rate CD3.50%$2,000.00
60 MonthFixed Rate CD3.50%$2,000.00
18 MonthIRA CD (Variable Rate. Annual Percentage Yield subject to change after the account has been opened. Minimum balance to open is $200.00.)3.75%$10.00

1Minimum additional deposit of $100.00.

2Annual Percentage Yield (APY) is subject to change. Interest is compounded daily and credited monthly. Minimum deposit to open is $2,000.00. A penalty will be assessed on funds withdrawn prior to maturity on all CDs—not including the 5-Month CD Special, for which the penalty will be waived on a one-time withdrawal or closure during the term – normal penalty applies thereafter. This is a limited time offer and may be withdrawn at any time. 

Rest Assured,
Your Deposits are Safe!

When it comes to your hard-earned money, you deserve a bank that will guarantee its safety.

All deposits at Bluestone Bank are 100% insured. This is made possible through the Federal Deposit Insurance Corporation (FDIC), which insures up to $250,000.00 per depositor with the excess over $250,000.00 insured by the Depositors Insurance Fund (DIF). No depositor has ever lost money in a bank insured by both the FDIC and DIF.

Your Personal Bankers

Our Personal Bankers play a crucial role in helping you understand your current financial position and future goals. We’re here to guide you towards a more confident relationship with your finances.

Learn More

Helpful Calculators

Which is better for me, a Traditional IRA or a Roth IRA?

CALCULATE

How much will my Traditional IRA be worth at retirement?

CALCULATE
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